{"id":25748,"date":"2023-11-01T11:17:32","date_gmt":"2023-11-01T11:17:32","guid":{"rendered":"https:\/\/building.nubank.com\/desafios-do-open-finance-como-o-nubank-protege-os-dados-do-cliente-e-otimiza-operacoes\/"},"modified":"2024-02-20T13:37:05","modified_gmt":"2024-02-20T13:37:05","slug":"desafios-do-open-finance-como-o-nubank-protege-os-dados-do-cliente-e-otimiza-operacoes","status":"publish","type":"post","link":"https:\/\/building.nubank.com\/pt-br\/desafios-do-open-finance-como-o-nubank-protege-os-dados-do-cliente-e-otimiza-operacoes\/","title":{"rendered":"Desafios do Open Finance: como o Nubank protege os dados do cliente e otimiza opera\u00e7\u00f5es"},"content":{"rendered":"\n<p><em>Escrito por Rodrigo Sampaio e Marcelo Piva<\/em><\/p>\n\n\n\n<p>O Nubank sempre coloca os clientes em primeiro lugar para dar a eles o controle sobre suas finan\u00e7as e poder sobre sua rotina di\u00e1ria. <a href=\"https:\/\/building.nubank.com\/pt-br\/building-open-finance-at-nubank-a-view-behind-the-scenes\/\">Aderir \u00e0 iniciativa de Open Banking<\/a> tem um papel fundamental nessa miss\u00e3o.&nbsp;<\/p>\n\n\n\n<p>No entanto, com o poder v\u00eam grandes responsabilidades, e isso requer que mantenhamos continuamente a seguran\u00e7a de dados dos nossos clientes.&nbsp;<\/p>\n\n\n\n<p>Continue lendo para descobrir como o Nubank fez uma parceria com a Authlete para arquitetar um servidor de autoriza\u00e7\u00f5es de \u00faltima gera\u00e7\u00e3o e sob medida para o Open Banking.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A seguran\u00e7a sempre vem em primeiro lugar<\/h2>\n\n\n\n<p>Open Finance, um conceito revolucion\u00e1rio, busca redefinir como institui\u00e7\u00f5es financeiras compartilham dados com as outras para entregar servi\u00e7os di\u00e1rios, priorizando a propriedade de dados para clientes.<\/p>\n\n\n\n<p>Para garantir uma comunica\u00e7\u00e3o fluida entre os envolvidos, era crucial implementar uma linguagem padr\u00e3o e um conjunto de regras. \u201cA seguran\u00e7a era a prioridade m\u00e1xima para permitir esta comunica\u00e7\u00e3o, ent\u00e3o estabelecemos um conjunto de padr\u00f5es de seguran\u00e7a complexos (OAuth 2.0 + OpenID Connect + FAPI + \u201cPadr\u00e3o Brasileiro\u201d) para garantir a tranquilidade dos nossos clientes\u201d, disse Marcelo Piva, nosso Engenheiro de Software.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>O Open Finance tamb\u00e9m nos trouxe a oportunidade de assegurar um valor central dos nossos neg\u00f3cios: a transpar\u00eancia<\/em>.&nbsp;<\/p>\n<\/blockquote>\n\n\n\n<p>Isso porque os clientes devem conceder uma autoriza\u00e7\u00e3o expl\u00edcita para compartilhar seus dados atrav\u00e9s do Open Finance. Ent\u00e3o precisamos garantir que:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>os clientes possam controlar os pr\u00f3prios dados financeiros.<\/li>\n\n\n\n<li>A decis\u00e3o de compartilhar (ou n\u00e3o) esses dados com outras institui\u00e7\u00f5es depende totalmente deles.<\/li>\n<\/ul>\n\n\n\n<p>Al\u00e9m disso, proteger essas informa\u00e7\u00f5es \u00e9 vital para garantir que apenas o cliente leg\u00edtimo utilize seus dados atrav\u00e9s de diferentes institui\u00e7\u00f5es financeiras sem uma exposi\u00e7\u00e3o indevida a entidades externas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Desenvolvendo uma solu\u00e7\u00e3o<\/h2>\n\n\n\n<p>Vamos nos aprofundar no aspecto t\u00e9cnico da autoriza\u00e7\u00e3o e autentica\u00e7\u00e3o API. O Open Banking tem como base uma hierarquia de padr\u00f5es confi\u00e1veis para mitigar qualquer amea\u00e7a aos dados do cliente. Ela consiste em:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>OAuth 2.0: <\/strong>O principal padr\u00e3o que rege a maior parte das autoriza\u00e7\u00f5es on-line.<\/li>\n\n\n\n<li><strong>OpenID Connect (OIDC): <\/strong>&nbsp;Uma camada de identidade que vem acima do OAuth 2.0.<\/li>\n\n\n\n<li><strong>FAPI: <\/strong>Perfis de seguran\u00e7a baseados no OAuth 2.0 que a princ\u00edpio foram projetados para APIs de grau financeiro.<\/li>\n\n\n\n<li><strong>Padr\u00e3o Brasileiro:<\/strong> Uma especifica\u00e7\u00e3o mais refinada e filtrada dos padr\u00f5es acima para corresponder ao nosso ecossistema.<\/li>\n<\/ul>\n\n\n\n<p><em>Durante nossa fase explorat\u00f3ria, rapidamente percebemos o dimens\u00e3o do desafio, tendo que cumprir com centenas de regras de seguran\u00e7a combinadas de v\u00e1rias fontes, incluindo as espec\u00edficas do Open Finance Brasil<\/em>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Escolhendo um provedor<\/h2>\n\n\n\n<p>Para superar esse desafio, decidimos procurar uma parceria especializada para fornecer a melhor solu\u00e7\u00e3o que garantisse a seguran\u00e7a dos nossos clientes. Nossos par\u00e2metros eram:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a melhor arquitetura<\/li>\n\n\n\n<li>redu\u00e7\u00e3o no tempo de desenvolvimento<\/li>\n\n\n\n<li>credibilidade em n\u00edvel industrial<\/li>\n<\/ul>\n\n\n\n<p><em>Embora v\u00e1rias concorrentes disputassem a nossa aten\u00e7\u00e3o, muitas eram complicadas, ultrapassados, e n\u00e3o se encaixavam bem com o que t\u00ednhamos de tecnologia.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nossa escolha: Authlete<\/h2>\n\n\n\n<p>Ap\u00f3s um per\u00edodo de avalia\u00e7\u00e3o de diferentes solu\u00e7\u00f5es, a Authlete surgiu como nossa parceria de escolha. Seus produtos removeram a complexidade de implementar os padr\u00f5es de seguran\u00e7a necess\u00e1rios. Os APIs flex\u00edveis e extens\u00edveis da Authlete que atendiam aos \u00faltimos padr\u00f5es de seguran\u00e7a permitiram que cri\u00e1ssemos servidores de recursos e autoriza\u00e7\u00e3o personalizados. Essa capacidade de adapta\u00e7\u00e3o foi inestim\u00e1vel para o Nubank.<\/p>\n\n\n\n<p>Al\u00e9m de atender aos requisitos, a Authlete encurtou significativamente nosso ciclo de desenvolvimento, permitindo que o Nubank obtivesse um servidor de autoriza\u00e7\u00e3o completamente adequado em tempo recorde, ao mesmo tempo preservando nossa infraestrutura existente.<\/p>\n\n\n\n<p>Al\u00e9m disso, a profici\u00eancia da Authlete na evolu\u00e7\u00e3o da seguran\u00e7a por API em ecossistemas de Open Banking no mundo todo, apoiada pelo envolvimento ativo deles em moldar os padr\u00f5es da OpenID Foundation, garantiu nossa conformidade com os padr\u00f5es brasileiros.<\/p>\n\n\n\n<p>Veja mais detalhes em <a href=\"https:\/\/www.authlete.com\/customers\/nubank\/\">Estudo de Caso: Nubank \u2013 Authlete<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Definindo o padr\u00e3o mais alto em seguran\u00e7a de Open Finance<\/h2>\n\n\n\n<p>Enquanto navegamos por esse cen\u00e1rio em evolu\u00e7\u00e3o do Open Finance, a dedica\u00e7\u00e3o do Nubank ao empoderamento do cliente e \u00e0 seguran\u00e7a de dados permanece inabal\u00e1vel. Nossa colabora\u00e7\u00e3o com a Authlet \u00e9 uma prova do nosso compromisso de oferecer solu\u00e7\u00f5es de seguran\u00e7a de primeira linha.<\/p>\n\n\n\n<p>Unindo inova\u00e7\u00e3o, transpar\u00eancia e foco no cliente, n\u00e3o estamos apenas respondendo \u00e0s exig\u00eancias do Open Banking; queremos nos tornar uma refer\u00eancia. Seja voc\u00ea um cliente buscando liberdade financeira ou f\u00e3 de tecnologia que se interessa por nossos processos nos bastidores, pode ter certeza de que o Nubank est\u00e1 encabe\u00e7ando o novo conceito de digital banking, sempre levando em considera\u00e7\u00e3o a sua seguran\u00e7a.<\/p>\n\n\n\n<p>Acompanhe o nosso blog para ler mais insights sobre a revolu\u00e7\u00e3o financeira que estamos moldando!&nbsp;<\/p>\n\n\n\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A seguran\u00e7a sempre vem em primeiro lugar. \u00c9 por isso que, al\u00e9m dos requisitos do Open Finance, o Nubank criou um servidor de autoriza\u00e7\u00f5es de alta seguran\u00e7a. <\/p>\n","protected":false},"author":178110165,"featured_media":24972,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2514],"tags":[2517,2518,2516,2515],"ppma_author":[2382],"class_list":["post-25748","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-building-stories-pt-br","tag-construindo-historias","tag-open-finance-pt-br","tag-seguranca","tag-trabalhar-no-nu"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Desafios do Open Finance: como o Nubank protege os dados do cliente e otimiza 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